Wealth Management
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Strategic investment guidance for a prosperous future.
Wealth management is more than just a financial service; it’s your pathway to financial empowerment. Think of it as having a dedicated guide who helps you make informed choices, ensuring your money not only grows but works for your lifestyle. Our approach integrates Wisdom, Wealth, and Wellness, enabling you to thrive in every aspect of life.
Why Wealth Management Matters
In today’s fast-paced world, navigating your financial journey can feel overwhelming. Effective wealth management brings clarity and direction, allowing you to:
Achieve Your Goals: Whether it’s buying a dream home, funding education, or enjoying retirement, we help you define and pursue your aspirations.
Mitigate Risks: Life is unpredictable, and our expertise equips you to adapt to unexpected challenges, from market fluctuations to sudden expenses.
Optimize Your Financial Health: With tailored strategies, we ensure your financial decisions align with your values, empowering you to live your best life without compromise.


Services
Portfolio Management
Customizing and managing investments for sustained growth, we develop a diversified portfolio based on your goals, risk tolerance, and time horizon. With continuous monitoring and adjustments, we aim to optimize returns while managing risk.
Segregated Fund Advisory
Segregated funds offer investment growth with added protections, like creditor protection and tax advantages. This service is valuable for clients looking to preserve wealth and secure their legacy, especially business owners and professionals.
Portfolio Second Opinion
Gain insight into your current investment strategy. We provide a thorough analysis of your existing portfolio, identifying areas for improvement and adjustments to better align with your financial objectives.
What to Expect
01.
Personalized Strategy
Tailored financial plans based on your unique goals.
02.
Ongoing Reviews
Regular check-ins to keep your plan on track.
03.
Proactive Communication
Stay informed with consistent updates and clear communication.
04.
Holistic Support
Access a network of professionals for all aspects of your financial life, from taxes to estate planning.
All Service List
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Registered Investment Accounts
Investment and Saving Accounts
Tax-Free Savings Account (TFSA)
Save for your big-ticket items or goals, tax-free.
Registered Retirement Savings Plan (RRSP)
Grow your retirement savings faster by deferring your taxes.
Registered Education Savings Plan (RESP)
Save for a child’s education with access to government grants and deferred taxes.
Registered Retirement Income Fund (RRIF)
Keep deferring taxes on your retirement savings while enjoying the money you’ve saved.
Registered Disability Savings Plan (RDSP)
Save for yourself or a loved one—if eligible for the Disability Tax Credit (DTC).
Locked-In Retirement Account (LIRA)
A LIRA helps maintain and grow your pension savings after leaving an employer, ensuring funds are preserved for retirement income.
FAQ for LIRA
No, you cannot withdraw money from your LIRA until you reach a minimum age (usually 55). Even then, withdrawals are restricted and must follow provincial rules under Ontario’s Pension Benefits Act.
In Ontario, by the end of the year you turn 71, your LIRA must be converted into a retirement income option, such as a Life Income Fund (LIF) or a life annuity. These vehicles provide you with a regular income in retirement.
No, you cannot contribute new funds to your LIRA. It only holds the funds transferred from your employer’s pension plan. If you have additional pension benefits, they must be transferred into another LIRA or a different
registered plan.
LIRA funds grow tax-deferred, meaning you won’t pay taxes on the income earned within the account until you withdraw the funds. When you convert your LIRA into a LIF or annuity, withdrawals will be taxed as regular income at your marginal tax rate.
A LIRA is similar to an RRSP in that both allow for tax-deferred growth, but there are key differences:
No contributions: You cannot make new contributions to a LIRA.
Withdrawals: LIRA funds are locked-in and cannot be withdrawn until retirement age, unlike RRSPs, which offer more flexibility in terms of withdrawal.
Pension plan transfer: LIRAs hold pension funds transferred from a previous employer's pension plan.
Some of our fund companies





